Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$229,332Cash toward the purchase price.
Closing costs + prepaids$12,307Not just lender fees.
Before credits & paid funds$241,639The complete starting cash picture.
Estimated remaining funds due at closing
$241,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,332.05
Your down payment$229,332.05
Closing costs + prepaids$12,307.41
Total buyer cash needed$241,639.46
Remaining funds due$241,639.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,580.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,143.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$454.75
Prepaid interest, first (26 days)$661.32
Fees + prepaids$12,307.41
Your down payment is the seller’s equity. You take over the $228,668 balance, so the rest of the $458,000 price is paid at closing. A second mortgage can cover part of it. $241,639.46 is due at closing. Uses and sources reconcile at $470,307.41 each. Not a Closing Disclosure.